Automating money so you think about it less

You can make money decisions once and let the bank repeat them. Three transfers and two alerts replace most monthly budgeting sessions.

Three transfers

• Payday to savings.
• Payday to the account that pays your bills.
• A monthly extra payment to your highest-interest debt.

Two alerts

• Low balance, so bills never bounce.
• Large purchase, so you notice anything unexpected.

Review the setup every few months, or whenever your pay changes.